💼 Crypto Portfolio Calculator

Knowing your portfolio is worth $50,000 tells you nothing useful. Knowing it is up 340% from cost basis, that Bitcoin is 65% of your allocation, and that Ethereum is your only losing position — that is actionable information. I built this calculator because the expensive portfolio apps I tried were either overkill for a quick snapshot or required connecting exchange APIs that I did not want to hand over. Sometimes you just need to see your numbers clearly without a subscription.

Portfolio Value vs Cost Basis — The Key Distinction

These two numbers mean completely different things and most casual holders conflate them. Current portfolio value is simply the sum of (current price × quantity held) across all coins. Cost basis is the sum of (average buy price × quantity) across all your purchases. The gap between them is your unrealized profit or loss — the paper gain that exists only on screen until you actually sell something. Realized P&L only materializes when you exit a position.

What Allocation Percentages Actually Tell You

When you see that Bitcoin is 80% of your portfolio, that is not just a number — it is a statement about your risk profile. A heavily Bitcoin-concentrated portfolio behaves very differently from a multi-coin portfolio. Bitcoin moves less violently than altcoins in percentage terms (though its dollar swings are still brutal), and it has the strongest track record and liquidity. If BTC is 80%+ of your holdings, you are essentially making a leveraged Bitcoin bet with a small altcoin kicker. If BTC is under 20%, you have heavy altcoin exposure, which means higher potential upside in bull markets and higher potential losses in bear markets. Neither is inherently wrong — but you should know which camp you are in. The allocation percentages this calculator shows you are the clearest signal of your actual risk posture.

The Rebalancing Question

This is where portfolio management gets genuinely complicated. When Bitcoin does a 10x and goes from 40% of your portfolio to 85%, do you sell some to rebalance? The case for selling: concentration risk is real, and locking in profits on the way up is not a bad habit. The case against: in crypto bull markets, the winners tend to keep winning, and selling your best-performing asset to buy underperformers feels wrong because it often is wrong in the short term. My personal approach is to only rebalance using new capital rather than selling existing positions — this avoids the tax consequences of triggering capital gains events and lets winners run.

The tax point is important: in most countries, rebalancing means selling, which means realizing gains, which means owing taxes that year. A 20%+ position in any single altcoin is probably worth trimming — but the decision should account for your tax situation, not just the percentage.

Portfolio Tracking vs Tax Tracking

This calculator is for portfolio health checks — understanding your allocation, total value, and rough P&L at a glance. It is not a tax tool. For actual tax calculation, you need to track each individual lot (each separate purchase) using FIFO, LIFO, or HIFO methods depending on your country. FIFO (First In, First Out) means your oldest coins are considered sold first. HIFO (Highest In, First Out) means your most expensive purchases are considered sold first — minimizing taxable gains in most scenarios. For real tax accuracy, dedicated software like Koinly or CoinTracker is the right tool. Our calculator helps you understand the picture; they help you report it correctly.